RHB Personal Financing-i Civil Sector

A fast approval government servant personal financing with repayment via salary deduction and Takaful coverage in the event of death and total permanent disability.

RHB Personal Financing-i Civil SectorFlat 4.5% p.a.
Profit Rate
from 4.5% p.a.
up to RM200k
up to 10 years
Loan Type
Unsecured Islamic Financing
Takaful Insurance
Min. Income

Loan calculator

Profit rates

How much the bank charges you based on your loan amount & loan period

Financing ValueFinancing periodYour incomeProfit Rate
RM2,000 - RM200,00024 to 120 monthsmin. RM24,0004.5% p.a.

Fees & Charges

Profit Rate / APR
As low as 4.5% p.a., depending on financing amount and period
Processing Fee
RM30, Brokerage Fee
Stamp Duty
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount
Mode of Payment
You must pay your financing installment by salary deduction
You must take takaful insurance with this financing


Minimum Annual Income
Minimum Age
  • 18 to 58 years old
Who can apply
  • Malaysians
  • Government employee

More Information

An ideal personal financing for government employees with a low monthly salary for personal consumption, investment in appreciating assets, children's education or paying for hospital bills or any Halal transactions.

Why should I apply for RHB Personal Financing-i Civil Sector?

Specially tailored for government employees, this personal loan compliant with Shariah principles offers a low and flat profit rate of 4.5% p.a. for the whole period of borrowing. 

This means you don't have to worry about the fluctuations of the Islamic Base Rate as your monthly installment amount is fixed.

Government pensioners can also apply for RHB Personal Financing-i Civil Sector, on a condition that you must open and maintain a bank account with RHB Islamic Bank.

How much money can I borrow?

RHB Islamic Bank allows you to borrow as much as RM200,000, with the minimum borrowing amount starting from RM2,000. 

The repayment terms for this personal financing is flexible between 2 to 10 years.

Once your personal financing application approved, you need to pay a Brokerage Charge of RM30, statutory Stamp Duty of RM10. 

After RHB Islamic Bank has reviewed and approved your personal financing application, your money will then be transferred to a Savings Account or Current Account of your choice.

What is my monthly installment payment?

RHB Islamic Bank will provide you with a repayment table based on the approved borrowing amount and selected tenure of financing. 

You are obligated to meet your installment payment on time every month. 

If you pay your installment after the due date, RHB Islamic Bank will charge you a late payment fee of 1% of the outstanding balance.

You are also required to set up a salary deduction payment via Biro Angkasa for this personal financing. This way you don't have to miss a payment.

Can I choose to settle my Islamic personal loan early?

There is no penalty for early settlement, provided that you inform RHB Islamic Bank with a 1-month notice before terminating your Islamic financing facility.

In fact, you will be granted with Ibra’ (rebate) based on the profits calculation and any applicable early settlement charges.

Do I need a Takaful coverage?

Like it or not, a Takaful coverage is compulsory for this Islamic personal financing facility. 

You can sign up for a Takaful plan with RHB Islamic Bank's panels or Takaful providers of your choice.

On the bright side, this Takaful coverage is beneficial in the event you have lost the capability to meet your outstanding payments due to total permanent disability and death.

What documents are required for RHB Personal Financing-i Civil Sector application?

To approve your personal financing application, RHB Islamic Bank requires you to fill up an application form and submit together with supporting documents such as:

  • 2 copies of your MyKad (front and back)
  • 1 original and 2 copies of latest 1-months salary slips
  • 1 original and 1 copy of Confirmation Letter from employer
  • 1 original and 1 copy of Redemption Statement (if applicable)
  • 2 copies of RHB / RHB Islamic Bank passbook / bank statement

Am I qualified to apply for RHB personal loan if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course of action would be to break the habit and start making your payments on time to avoid future hurdles.

RHB Islamic Bank is more likely to approve your RHB Personal Financing-i Civil Sector application if you can show that you are managing your personal finances, rather than accumulating more debt.